(Immediate Coverage when animal is purchased at an accredited horse sale. Simply call the office.)
(No Vet Exam required if horse is healthy and between the ages of 1-14 and insured for less then $50,000.)

1. Livestock mortality insurance is written for the purpose of protecting the actual investment of the livestock owner, not potential gain or profit.
    
2. Indemnity is payable only as a result of death loss or humane destruction by a certified vet, with prior permission from the insurance company.
    
3. Mortality coverage does not indemnify an insured against loss of an animal's ability to perform the functions for which it is kept.
    
4. Mortality insurance is renewable only on evidence of re-insurability, both as to physical condition and market value.
    
5. The insured or the agent may only effect cancellation.
    
6. Policies may not be transferred from one insured to another. Your coverage stops hen the horse is sold. It is the responsibility of the new owner to call our office to insure the horse in their name.
    
7. Application subject to acceptance by company.

1. OVERINSURING         
   Overstating your horse's value can result in problems with your claim. If you want to insure your horse for more than the purchase price, you must be certain you can justify this value to the insurance company in the event of a claim. Insure for the current value, not for what you feel, or are told the horse is worth. If his value rises thru his accomplishments you can request your coverage amount increased by calling your agent and discussing it with him/her.
    
2. SELECTING POLICIES BASED ON PREMIUMS ALONE         
   Since premiums are fairly standard in most categories, price shopping rarely unearth bargains. Read your policy carefully and pay very close attention to the coverage, more so than the cost, because all insurance policies are not equal. Selecting a knowledgeable agent in the field of horse insurance is also important as they will be able to assist you in selecting the proper coverage as well as being capable of explaining the coverage to you.
    
3. NEGLECTING TO READ AND THOROUGHLY UNDERSTAND THE POLICY         
   A poor understanding of a policy's term can mean you get to much or not enough coverage, and you probably will not realize this error until you have a claim. Again, the importance of a knowledgeable agent is helpful in understanding your coverage.
    
4. LEAVING GAPS IN DISCLOSURE         
   Even MINOR health problems in a horse's history must be reported on the application for insurance.
    
5. FAILING TO REPORT INCIDENTS IMMEDIATELY         
   The importance of reporting illness, injury, or sickness of an insured animal immediately can not be expressed strongly enough. Late reporting of any problem your horse may be suffering from could jeopardize your claim. If your horse is sick enough to call your vet, he is sick enough to call the insurance company.
    
6. POOR RECORD KEEPING         
   Keeping records will ease the application, claims and renewals. When buying a horse, keep a bill of sale and your cancelled check. Keep track of your winnings and accomplishments on your horse also.